need help!

[Anonymous]

I'm getting married in august and I need a loan for about 12500 just to finish up with expenses and to save as well, my scores is 580, 515, 532 is their anyway for me to be approved? What's a good loan company. Moving and getting married in the same year is stressful!

[racer-x]

Man o man, just don't know with low scores like that....If you were anywhere near the mid 600's, I'd say Prosper, Lending club.

I think you're in a bad spot unless somebody would cosign for a loan.  Do you have anything that you could secure a loan with.....car, boat?

[Kirmie2010]

Not usually a good idea to take out a loan and save some of the money.  (your paying on it)

With scores in the mid 600s I could not find any un secured loan for over 600 dollars.  I tried prosper, lending and onemain.

(I do have a few judgements and 2 medical collections on my report though)

Good luck.

[Anonymous]

I'm paying on a car now (have 1 year left on it) I make good money at my job, just have a lot going on this year so I was just looking for some help to relieve me. I done have much credit accounts so I just got a secured card, I know in time my scores will improve but right now time is not on my side for august lol

[Kenny]

I would look into getting some pay for deletions, goodwills, etc because I don't see any lender approving a personal loan for your scores. (It's hard enough with excellent scores to get a personal loan.)

Maybe a refinance on your vehicle might help you out? (However, again with your scores the interest rates would be near loan shark territory.)

So sorry, but with 500s it's extremely hard to get anything.

[Anonymous]

thank you.

[Ups77]

That's going to be tough with your scores in the low 500's. I would suggest you talk to your local bank who you do business with. That would be your best bet. It's going to be tough to get a credit card with that kind of limit with those scores. Wish you luck .

[takeshi74]

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@Kenny wrote:
I would look into getting some pay for deletions, goodwills, etc

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I'd also suggest this.  Hit the Rebuilding subforum and see what you can do about your derogs.